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SAG-AFTRA Federal Credit Union,
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Rates

APR AS LOW AS1 APPLIES TO LOANS WITH AUTO TRANSFER OF PAYMENT FROM YOUR CHECKING ACCOUNT 
                                                                                                     Effective June 1st  2019

SAVINGS
SAVINGS Accounts Terms & Balances Primary Share Savings Regular Additional Regular Share Savings IRA Share Savings Coogan Share Savings Young Performer Share Savings
Minimum Deposit to Open Account $25 None $25 $25 $25
Minimum Balance to Maintain the Account or Avoid Low Balance Fee $250 None None None None
Minimum Balance to Earn Dividends $250 $250 $25 $25 $25
Balance Tiers to Earn Dividends: Annual Percentage Yield Annual Percentage Yield Annual Percentage Yield Annual Percentage Yield Annual Percentage Yield
$25.00 - $9,999.99

0.050% 0.050% 0.050%
$250.00 - $9,999.99 0.050% 0.050% 0.050% 0.050% 0.050%
$10,000.00 - $24,999.99 0.050% 0.050% 0.050% 0.050% 0.050%
$25,000.00 - $49,999.99 0.100% 0.100% 0.100% 0.100% 0.100%
$50,000.00 - $99,999.99 0.100% 0.100% 0.100% 0.100% 0.100%
$100,000.00 and Over 0.100% 0.100% 0.100% 0.100% 0.100%

CERTIFICATES
CERTIFICATE Accounts Minimum Deposit and Balance $1,000** Minimum Deposit and Balance $10,000** Minimum Deposit and Balance $25,000** Minimum Deposit and Balance $50,000**
CERTIFICATE Term: Annual Percentage Yield Annual Percentage Yield Annual Percentage Yield Annual Percentage Yield
6 Months 0.85% 1.100% 1.200% 1.300%
12 Months 1.100% 1.350% 1.450% 1.550%
24 Months 1.600% 1.850% 1.9500% 2.050%
36 Months 1.750% 2.000% 2.100% 2.200%
48 Months 1.950% 2.200% 2.300% 2.400%
60 Months 2.250% 2.500% 2.600% 2.700%

CHECKING
CHECKING Accounts Terms & Balances Performance Checking Account eChecking Account Senior Checking Account Health Savings Account (HSA)
Minimum Deposit to Open Account $25 $25 $25 $25
Minimum Balance to Maintain Account None None None None
Monthly Service Charge $7.95 $0.00* $0.00* None
Minimum Average Balance to Avoid Service Charge $1,000.00** $0.00* $0.00* None
Minimum Average Balance to Earn Dividends $1,000 N/A N/A No Minimum
Balance Tiers to Earn Dividends: Annual Percentage Yield Annual Percentage Yield Annual Percentage Yield Annual Percentage Yield
$ 0.01 and Over


0.010%
$1,000.00 and Over 0.010% N/A N/A 0.010%

MONEY MARKET
MONEY MARKET Account Terms & Balances
Money Market Savings Account
Minimum Deposit to Open Account
$2,500
Minimum Balance to Maintain Account or Avoid Fee
$2,500
Minimum Balance to Earn Dividends
No Minimum
Balance Tiers to Earn Dividends:
Annual Percentage Yield
$ 0.01 - $2,499.99
0.100%
$2,500 - $24,999.99
0.300%
$25,000.00 - $49,999.99
0.450%
$50,000.00 - $74,999.99
0.650%
$75,000.00 - $99,999.99
0.850%
$100,000.00 and Over
1.050%
¹ indicates a 1% discount rate for loans scheduled for auto pay
AUTOMOBILES
Loan Type Financing Amount Term Up to APR As Low As Repayment Per $1,000 Borrowed Based on APR & Term APR As Low As¹ Repayment Per $1,000 Borrowed Based on APR & Term
2018-2019 Model Years 100% $5,000 or more 60 Months 4.24% $18.42 3.24% $17.97

100% $5,000 or more 72 Months 4.74% $15.88 3.74% $15.42

100% $5,000 or more 84 Months 5.24% $14.14 4.24% $13.67
2014-2017 Model Years 100% $5,000 or more 60 Months 4.49% $18.53 3.49% $18.08

100% $5,000 or more 72 Months 4.99% $15.99 3.99% $15.53

100% $5,000 or more 84 Months 5.74% $14.37 4.74% $13.90
2009-2013 Model Years 100% $5,000 or more 48 Months 6.00% $23.38 5.00% $22.92

MOTORCYCLES AND BOATS
Loan Type Financing Amount Term Up to APR As Low As Repayment Per $1,000 Borrowed Based on APR & Term APR As Low As¹ Repayment Per $1,000 Borrowed Based on APR & Term
2018-2019 Model Years 90% $15,000 or more 84 Months 7.49% $15.34 6.49% $14.85

90% Less Than $15,000 72 Months 7.99% $17.54 6.99% $17.05

90% Less Than $5,000 72 Months 9.49% $18.28 8.49% $17.78
2014-2017 Model Years 90% $15,000 or more 72 Months 7.75% $17.42 6.75% $16.94

90% Less Than $15,000 60 Months 8.25% $20.41 7.25% $19.93

90% Less Than $15,000 60 Months 9.75% $21.14 8.75% $20.65
2009-2013 Model Years 90% $15,000 or more 48 Months 7.75% $24.31 6.75% $23.84

90% Less Than $15,000 48 Months 8.25% $24.54 7.25% $24.07

90% Less Than $5,000 48 Months 9.75% $25.26 8.75% $24.78

RECREATIONAL VEHICLES (RV)
Loan Type Financing Amount Term Up to APR As Low As Repayment Per $1,000 Borrowed Based on APR & Term APR As Low As¹ Repayment Per $1,000 Borrowed Based on APR & Term
2018-2019 Model Years 90% $15,000 or more 84 Months 7.49% $15.34 6.49% $14.85

90% Less Than $15,000 72 Months 7.99% $17.54 6.99% $17.05

90% Less Than $5,000 72 Months 9.49% $18.28 8.49% $17.78
2014-2017 Model Years 90% $15,000 or more 72 Months 7.75% $17.42 6.75% $16.94

90% Less Than $15,000 60 Months 8.25% $20.41 7.25% $19.93

90% Less Than $5,000 60 Months 9.75% $21.14 8.75% $20.65
2009-2013 Model Years 90% $15,000 or more 48 Months 7.75% $24.31 6.75% $23.84

90% Less Than $15,000 48 Months 8.25% $24.54 7.25% $24.07

90% Less Than $5,000 48 Months 9.75% $25.26 8.75% $24.78

SIGNATURE LOANS (MINIMUM LOAN AMOUNT $1,500)
Loan Type Financing Amount Term Up to APR As Low As Repayment Per $1,000 Borrowed Based on APR & Term APR As Low As1 Repayment Per $1,000 Borrowed Based on APR & Term

N/A Up to $15,000 60 Months 9.90% $21.20 8.90% $20.72

MUSICAL INSTRUMENT AND MUSICAL EQUIPMENT LOANS
Loan Type Financing Amount Term up to APR As Low As Repayment Per $1,000 Borrowed Based on APR & Term APR As Low As¹ Repayment Per $1,000 Borrowed Based on APR & Term

N/A Up to $50,000
Up to 60 Months
6.99%
$19.80 5.99%
$19.29
Musical Instrument and Musical Equipment Loans must be back by a UCC filing

VISA CREDIT CARD (VARIABLE RATE) MINIMUM CREDIT LINE
Loan Type Financing Amount Term Up to APR As Low As Repayment Per $1,000 Borrowed Based on APR & Term APR As Low As Repayment Per $1,000 Borrowed Based on APR & Term
Automatic Payment Discount Not Available
Credit Limits up to $30,000 Revolving APR as low as
9.99%
N/A Prime + a margin N/A

SHARE SECURED (MINIMUM LOAN)
Loan Type Financing Amount Term Up to APR As Low As Repayment Per $1,000 Borrowed Based on APR & Term APR As Low As¹ Repayment Per $1,000 Borrowed Based on APR & Term
Automatic Payment Discount Not Available 100% of Share Bal. Up to $10,000 24 Months 3.50% $43.21


100% of Share Bal. Up to $10,000 48 Months 4.00% $22.59 - -

100% of Share Bal. Up to $10,000 72 Months 5.00% $16.11


CERTIFICATE SECURED MINIMUM LOAN AMOUNT $1,500.
Loan Type Financing Amount Term Up to APR As Low As Repayment Per $1,000 Borrowed Based on APR & Term APR As Low As¹ Repayment Per $1,000 Borrowed Based on APR & Term
Automatic Payment Discount Not Available Borrow up to 90% of your Certificate Balance for 2 Years or Less

3.00% Above Certificate Dividend Rate
- -

Borrow up to 90% of your Certificate Balance for 2 Years or Less

3.00% Above Certificate Dividend Rate



MORTGAGE LOANS
Loan Type CLTV Amount Maximum Term Up to APR
Home Equity Line of Credit Up to 70% $125,000 20 year Prime + 0.25%

Up to 80% $125,000 20 year Prime + 0.50%

MORTGAGE LOANS cont.
Loan Type LTV Amount Maximum APR
1st TD Mortgages


15-Year Fixed 80% weekly rate
30-Year Fixed 80% weekly rate